Call reports 2009
COMMUNITY BANK OF ROWAN — 2009
What COMMUNITY BANK OF ROWAN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 146,645,000 | 141,612,000 | 143,574,000 | 137,739,000 |
| Total loans | 114,129,000 | 113,446,000 | 109,989,000 | 107,488,000 |
| Allowance for loan losses | 1,706,000 | 1,702,000 | 1,672,000 | 1,738,000 |
| Securities available for sale | 7,053,000 | 4,587,000 | 6,963,000 | 6,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,051,000 | 113,626,000 | 117,355,000 | 112,388,000 |
| Interest-bearing deposits | 111,566,000 | 103,945,000 | 108,955,000 | 103,999,000 |
| Noninterest-bearing deposits | 8,485,000 | 9,681,000 | 8,400,000 | 8,389,000 |
| Equity capital | 10,615,000 | 10,734,000 | 11,059,000 | 10,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,489,000 | 3,024,000 | 4,573,000 | 6,079,000 |
| Interest expense | 676,000 | 1,250,000 | 1,784,000 | 2,267,000 |
| Net interest income | 813,000 | 1,774,000 | 2,789,000 | 3,812,000 |
| Noninterest income | 58,000 | 169,000 | 358,000 | 432,000 |
| Noninterest expense | 587,000 | 1,295,000 | 1,956,000 | 2,652,000 |
| Provision for loan losses | 83,000 | 159,000 | 437,000 | 1,031,000 |
| Pretax income | 201,000 | 489,000 | 754,000 | 561,000 |
| Income tax | 78,000 | 191,000 | 295,000 | 233,000 |
| Net income | 123,000 | 298,000 | 459,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,660,000 | 10,835,000 | 10,996,000 | 10,865,000 |
| Total capital | 11,985,000 | 12,169,000 | 12,320,000 | 12,162,000 |
| Risk-weighted assets | 105,639,000 | 106,346,000 | 105,592,000 | 103,299,000 |
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